Manage and optimize origination underwriting to ensure the portfolio performance is within risk appetite framework.
Adherence to the Risk policy, standards and frameworks, and maintaining a robust control environment.
Ability to perform advanced data analytics and advise the underwriting strategies for loan origination, loan amount assignment, and loan pricings that optimize profitability from end to end.
Collaborate with the portfolio risk team to track credit performance and take action to manage the portfolio within the organization’s risk management appetite.
Take ownership of credit policy documentation and enhance policies and processes to mitigate credit risk exposure.
Improve sophistication and technical implementation of current approaches.
Maintain quality control and validation that risk processes are working as expected.
Relationship management of risk stakeholders, including identifying relevant stakeholders, and maintenance of the quality of external third-party services.
Work cross-functionally with the company’s Tech, Product, Sales, and Finance teams to lead and manage new credit product initiatives that further our mission of providing convenient point-of-sale financing to niche consumer products.
Provide guidance and mentorship to junior team members, fostering their growth and ensuring alignment with team objectives.
Requirements
Bachelor’s degree in a relevant field and at least 10 years of related experience; or a master’s degree with a minimum of 6 years of related experience; or an equivalent combination of education and relevant professional experience.
3+ years experience managing and developing employees.
4+ years of Auto Lending experience in performing credit analysis including experience with data visualization tools such as Tableau / Power BI.
Exceptional hands-on experience Python, SQL, Tableau and Excel.
Strong overall understanding of consumer credit and lending.
Proficient in a range of statistical models and methodologies, with a strong ability to assess and interpret variable importance to drive data-driven insights and decision-making.
Experience taking analyses from raw data to polished recommendations and communicating complex, technical findings to broad audiences.
Experience in partnership portfolio is a plus.
Benefits
Robust Health Care Plans (Medical, Dental & Vision)
Generous Parental Leave
Flexible Time Off (FTO) Policy - Time Off When You Need It
Retirement Plan (401k) with company match!
Educational Assistance/Tuition Reimbursement up to $3K/year
Life Insurance (Basic, Voluntary & AD&D)
Short Term / Long Term Disability
Robust Ancillary benefits including accident insurance, hospital insurance, etc
Wellhub (Gympass) Wellness Benefit
Powersports Safety Benefit
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard skills
data analyticscredit analysisstatistical modelsdata visualizationPythonSQLTableauExcelcredit policy documentationrisk management